Method of Visiting Online Banking Website and Browser

ABSTRACT

The present disclosure provides a method of visiting an online banking website and a browser, wherein the browser is adapted to visit an online banking website, and save an online banking website configuration file in the storing module of the browser. Regarding the implementing of the visiting method, when the webpage requesting information of a page website address is detected on the browser side, the browser firstly determines that the page website address is the website address information of the online banking website in the online banking website configuration file, and then initiatively initiates the downloading of a corresponding security plug-in on the online banking website and the installing program, so as to visit the corresponding online banking website via the security plug-in. Because the downloading of the security plug-in and the installing program are in advance completed by the browser before the webpage requesting information is transmitted to the online banking server, when the user is logging in the online banking server on the browser, the method can omit the operations of manually downloading and installing the security plug-in, and ensures the security when logging in the online banking server.

FIELD OF THE INVENTION

The present disclosure relates to technical field of browsers, and inparticular to a method of visiting an online banking website and abrowser.

BACKGROUND OF THE INVENTION

The rising of the Internet brings much convenience to the overalloperation and management of banks. Due to the existing of the Internet,compared with traditional banks, which mainly rely on entity branches toexpand their transact businesses and fields, currently most of banksoperate by online banks, which largely expands their overall scope ofbusiness. Online banks indeed provide the clients with finance servicesat any time, at any place and in any manner. Such a model that providesservice via online banking websites without limitations of time andplace greatly satisfies demands of the clients, and thus has very rapiddevelopment.

Visiting an online banking website by a browser is an important step ofthe current Internet commerce or finance service. The browser usersvisit online banking websites and thereby perform operations such astransferring of account, depositing and buying exchange; however, thoseoperations, which involve money, have higher requirement on networksecurity than visiting common websites which are not online bankingwebsites.

In order to ensure that online banking websites can be normally andsafely used, all of the online banking websites develop correspondingsecurity controls on the basis of the website architectures and securitysystems of themselves, and those security controls are saved on onlinebanking servers. When a user logs in the online banking to performoperations that involve privacy and security such as transferring ofaccount, depositing and buying exchange on an online banking website bya browser, the online banking server will feedback the installationinformation of the security control to the browser side, to prompt theuser to install the security control on the browser so as to help theoperations of inputting or outputting data, thereby realizing the safetyinteraction between the user side (that is, the browser side) and theonline banking server.

However, currently, regarding the using of browsers, a problem thatfrequently rises is that, different online banking websites employdifferent security controls on a single browser. For example, inpractice, the security controls that are used by the online bankingwebsites of China Construction Bank and China Merchants Bank are ofconsiderable difference. Meanwhile, due to the convenience of onlinebanking websites, many users have accounts of a plurality of differentonline banking websites each; or, when a user is to pay on a shoppingwebsite that has entries of a plurality of online banking servers, theuser is required to execute one time of operation of installing thecorresponding security control when logging in each of the onlinebanking websites by the browser, to normally use the functions providedby the online banking websites, as the result of which the user of thebrowser can safely use all the online banking websites only aftertedious operations.

Meanwhile, regarding each type of finance services, the bank systemsemploy different security controls. For example, there are controls ofcontrolling the security of log-in input, security controls ofvalidating digital signatures at paying, security controls andanti-phishing plugs-in regarding different operating systems ofdifferent users, and so on. Furthermore, the controls of the onlinebanking websites of different banks are not compatible with each other,and when a user uses for the first time the online banking service of abank or uses an online banking in a new user side environment, theprompting of installing the security control always pops upautomatically during the process of operating the browser. Some browsers(for example IE) cannot directly perform the installing of securitycontrols, but the user needs to click on the yellow strip notificationon the upper part of the screen to allow the installing, to smoothlycomplete the operation of installing the security control. In addition,many online banking websites, after the operation of installing thesecurity control finishes, can be continuously used only after the userrefreshes the page. If a user is an USBkey client, the user needs todownload and install a different control according to the differentbrand of USBkey, and often is required to restart the browser after thecontrol installation finishes to make the security control functional.However, often at that time the sheets that jump from other websites maypossibly become ineffective, and thus a new order number is required tobe generated, which is very troublesome.

SUMMARY OF THE INVENTION

The technical problem that the present disclosure seeks to solve is toprovide a method of visiting an online banking website and a browser,wherein the method, by detecting on a browser side a webpage requestinginformation of a page website address, before the page on the browserjumps to an online banking website, in advance downloads and installs onthe browser the security control relevant to the online banking website,which solves the problems that when an online banking website isoperated the security control needs to be in addition downloaded andinstalled, and that after the installation it is needed to refresh thepage or restart the browser, which is inconvenient in operation.

In order to solve the above problem, the present disclosure provides amethod of visiting an online banking website, comprising: detecting on abrowser side a webpage requesting information of a page website address;determining by the browser that the page website address is a websiteaddress information of an online banking website in an online bankingwebsite configuration file of the browser, wherein the online bankingwebsite configuration file comprises the website address information ofthe online banking website and its corresponding security plug-ininformation; the browser, according to the corresponding securityplug-in information, initiating downloading of a corresponding securityplug-in on the online banking website; and installing the downloadedsecurity plug-in on the browser side, and visiting the online bankingwebsite by using the installed security plug-in.

The present disclosure further provides a browser, adapted to visit anonline banking website. The browser comprises a storing module, amonitoring module, a controlling module, a downloading module and aninstalling module. The storing module saving an online banking websiteconfiguration file, wherein the online banking website configurationfile comprises the website address information of the online bankingwebsite and its corresponding security plug-in information. Themonitoring module is configured to detect a webpage requestinginformation of a page website address. The controlling module is coupledto the storing module and the monitoring module, configured to visit theonline banking website according to the website address information andconfigured to receive a detecting result of the monitoring module, anddetermine whether the page website address is the website addressinformation of the online banking website in the online banking websiteconfiguration file. The downloading module is coupled to the controllingmodule, configured to, according to the determining result of thecontrolling module and the corresponding security plug-in information inthe storing module, initiate downloading of the corresponding securityplug-in on the online banking website. The installing module is coupledto the downloading module and the controlling module, configured toexecute an installing program of the security plug-in, so that thecontrolling module can visit the online banking website by the installedsecurity plug-in.

The present disclosure further provides a computer program, comprisingcomputer readable code, wherein when the computer readable code isrunning on a terminal device, causes the terminal device to execute themethod of visiting an online banking website described above.

The present disclosure further provides a computer readable medium, inwhich the computer program described above is stored.

Compared with the prior art, the present disclosure can obtain thefollowing technical effects:

According to the method of visiting an online banking website and thebrowser of the present disclosure, the webpage requesting information ofthe online banking website, before being sent to the correspondingonline banking server, is intercepted on the browser side, and beforethe current page of the browser jumps to the page of the online bankingwebsite, the operations of downloading and installing the securitycontrol of the online banking website is performed in advance, so thatthe browser can directly visit the online banking website via theinstalled security control after completing the page jumping. Becausethe operations of downloading and installing the security control arecompleted before entering the online banking website, the tediousprocedures of downloading and installing are not needed when the onlinebanking website is visited, and thus the operation of refreshing thepage or restarting the browser is not needed. In addition, theoperations of downloading and installing the security control areautomatically completed on the browser side, so when a user operates aplurality of different online banking websites, the user does not needto individually download and install the security controls. Thereforethe method has a great convenience, and largely promotes the securitywhen using online banking websites.

The above description is only an overview of the technical solutions ofthe present disclosure. In order to understand the technical means ofthe present disclosure more clearly, and to implement them according tothe contents of the description, and in order to make the above andother objects, features and advantages of the present disclosure morefully understood, the specific embodiments of the present disclosure areprovided below.

BRIEF DESCRIPTION OF DRAWINGS

Other advantages and benefits will become clear to a person thoseskilled in the art by reading the detail description of preferableembodiments below. The drawings are only for the purpose of illustratingthe preferable embodiments, and are not considered as limitation to thepresent disclosure. Furthermore, throughout the drawings, the samereference signs denote the same elements. In the drawings:

FIG. 1 is the block schematic representation of the browser of anembodiment of the present disclosure;

FIG. 2 and FIG. 3 are the flow charts of the first method embodiment ofthe present disclosure;

FIG. 4 is the flow chart of another method embodiment of the presentdisclosure;

FIG. 5 is the flow chart of some method embodiment of the presentdisclosure;

FIG. 6 is the flow chart of the second method embodiment of the presentdisclosure;

FIG. 7 schematically shows the block diagram of the terminal device forexecuting the method according to the present disclosure; and

FIG. 8 schematically shows the storage unit for maintaining or carryingthe program code for implementing the method according to the presentdisclosure.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

The embodiments of the present disclosure will be in detail describedwith reference to the attached drawing and the examples below, in orderto understand sufficiently how the present disclosure applies technicalmeans to solve the technical problem and achieve the technical effectsand implement that accordingly.

For example, the description and the claims use some words to representspecific components. A person skilled in the art should understand that,hardware manufacturers may utilize different names to refer to the samecomponent. The present description and the claims do not distinguish thecomponents by the differences in the names, but take the difference inthe functions of the components as the distinguishing criteria. Forexample, the “comprise”, which is used throughout the description andthe claims, is an open wording, and thus should be interpreted as“include but are not limited to”. “Approximately” means that, within areceivable range of error, a person skilled in the art can solve thetechnical problem in a certain range of error, and basically reach thetechnical effect. Furthermore, the words “couple” or “electricallyconnect” herein include any means of direct and indirect electricalcoupling. Therefore, if the context describes that a first device iscoupled to a second device, it means that the first device may bedirectly electrically coupled to the second device, or be coupled to thesecond device indirectly via another device or a coupling means. Thedescription will sequentially describe preferable embodiments forimplementing the present disclosure; however, the description is for thepurpose of explaining the general principle of the present disclosure,rather than limiting the scope of the present disclosure. The protectionscope of the present disclosure shall be defined by the attached claims.

It should be explained that, the terms “include”, “comprise” or anyother variants thereof are meant to cover nonexclusive including, sothat processes, methods, articles or systems that include a series ofelements do not only include those elements, but also include otherelements that are not explicitly listed, or include the elements thatare inherent of such processes, methods, articles or systems. Wherethere is not more limitation, the elements that are defined by thewording “comprise a . . . ” do not exclude additional the same elementsthat are present in the processes, methods, articles or systems thatcomprise the elements.

Description of the Embodiments

As shown in FIG. 1, a browser 10 disclosed by the embodiments of thepresent disclosure is adapted to visit online banking websites, theonline banking websites may be various online banking websites or otherwebsites that have website address information for logging in thoseonline banking websites on their browsing pages, for example shoppingwebsites or other websites that involve logging in with a user account,wherein the browser 10 exchanges information with the online bankingservers corresponding to the online banking websites via the Internet.

The browser 10 disclosed by the present embodiment comprises a storingmodule 110, a controlling module 120, a monitoring module 130, adownloading module 140 and an installing module 150. The storing module110 saves an online banking website configuration file, wherein theonline banking website configuration file at least records a websiteaddress information of the online banking website and its correspondingsecurity plug-in information, and can also selectively record an onlinebanking name, an online banking website address and an online bankinglogo corresponding to the online banking website, an identificationinformation for determining whether the corresponding security plug-ininformation has been installed, an access path of the security plug-in,a corresponding backup of the security plug-ins that has been installedon the browser side or a combination thereof.

The controlling module 120 is coupled to the storing module 110 and themonitoring module 130, wherein the monitoring module 130 is fordetecting a webpage requesting information of a page website address,wherein the page website address is associated with an online bankingwebsite, and can be the website address of the current page on thebrowser 10, the website address of the target page to be jumped to soon,or a website address information on the current page associated with apage of the online banking website and the like. The controlling module120 is for receiving a detecting result of the monitoring module 130,and if the monitoring module 130 detects the webpage requestinginformation of the page website address, the controlling module 120further, according to the online banking website configuration file,determines whether the page website address is the website addressinformation of the online banking website in the online banking websiteconfiguration file; if yes, the controlling module 120 visits thecorresponding online banking website according to the website addressinformation; and if not, the controlling module 120 controls the currentpage of the browser 10 to jump to a target page corresponding to thewebsite address of the webpage.

The downloading module 140 is coupled to the controlling module 120 andthe storing module 110, for, according to the determination result ofthe controlling module 120 and the security plug-in information in theonline banking website configuration file, initiating downloading of acorresponding security plug-in on the online banking website, whereinwhen the controlling module 120 determines that the page website addressis the website address information of the online banking website in theonline banking website configuration file, the downloading module 140executes on the browser side the program of downloading the securityplug-in. The installing module 150 is coupled to the downloading module140 and the controlling module 130, for executing a correspondinginstalling program after the security plug-in is downloaded, so that thecontrolling module 130 can visit the corresponding online bankingwebsite by the installed security plug-in. In addition, regarding thevisiting to online banking websites, the controlling module 130 loads onthe browser 10 an online banking webpage corresponding to the above pagewebsite address, and then visits the online banking webpage, wherein theloading mode of the online banking webpage can be performed in anindependent webpage process or in a sandbox, in order to ensuresecurity.

Furthermore, in some embodiments of the present disclosure, before theabove installing module 150 executes the installing program, thecontrolling module 120 further checks whether the current installationenvironment is safe; if yes, the installing module 150 executing theoperation of installing the downloaded security plug-in; and if not, thecontrolling module 120 pops up on an installation page of the browser acorresponding warning window, as a user interface for performingupdating operation of a security level of the installation environment,which enables the user to perform relevant operations of the browser 10in a safe environment, and ensures the security during operating theonline banking website. Likewise, in another embodiment of the presentdisclosure, the controlling module 120 is further for performingsecurity scanning to the page website address, and displaying a scanningresult on the current page of the browser 10, so that the user candetermine, according to the scanning result, whether to continue tovisit the page website address, thereby improving the security of theoperation of visiting the page website address.

Further, in some embodiments of the present disclosure, the controllingmodule 120 firstly executes encrypting program to the user informationof an online banking website that has been visited, and then saves theencrypted information into the storing module 110, and when the browservisits the same online banking website again, the controlling module 120decrypts and fills the saved encrypted information, and then logs in theonline banking website that has been visited according to the decryptedand filled encrypted information, thereby simplifying the procedure ofthe operation of logging in the online banking website.

Meanwhile, regarding the online banking website that has been visited,the controlling module 120 writes its website address information andthe corresponding security plug-in information into the online bankingwebsite configuration file, and when the browser visits the same onlinebanking website again, the online banking website configuration file isread from the storing module 110, wherein before a reading operation orwriting operation of the online banking website configuration file, thecontrolling module 120 firstly performs a signature operation processingto the reading operation or writing operation, to obtain permission ofthe reading operation or writing operation.

Following that, regarding the online banking website that has beenvisited, the monitoring module 130 accesses initiatively with a presetfrequency to an online banking server of the online banking website todetect whether there is a security plug-in of updated version, forexample executing immediately upon the startup of the browser orexecuting after a preset numbers of days, and when a security plug-in ofupdated version is detected, the controlling module 120 transmits anupdating message to the downloading module 140, so as to access to theonline banking server to download the security plug-in of updatedversion, to enable the installing module 150 to replace the installedsecurity plug-in with the security plug-in of updated version, to enablethe controlling module 120 to visit the online banking website with thesecurity plug-in of the newest version; and on the contrary, if not, thedownloading module 140 does not need to perform the operation ofdownloading the security plug-in.

The method of visiting an online banking website of the presentdisclosure will be further described in the following with reference tosome method embodiments.

As shown in FIG. 2, the method of visiting an online banking websitedisclosed by the first method embodiment of the present disclosurecomprises the following steps:

Step S110, detecting on a browser side a webpage requesting informationof a page website address;

Step S120, determining by the browser that the page website address is awebsite address information of an online banking website in an onlinebanking website configuration file of the browser;

Step S130, the browser, according to the corresponding security plug-ininformation, initiating downloading of a corresponding security plug-inon the online banking website; and

Step S140, installing the downloaded security plug-in on the browserside, and visiting the online banking website by using the installedsecurity plug-in.

Referring to FIG. 1 and FIG. 2, in the method of visiting an onlinebanking website disclosed by the first method embodiment of the presentdisclosure, firstly, the method detects on the browser side whether thecurrent page has a webpage requesting information of a certain pagewebsite address, wherein the webpage requesting information may be alog-in website of the online banking website that the user directlyinputs on the current page of the browser 10 or be generated by a searchengine performing a page jumping. At this time, the browser 10, beforejumping to a corresponding webpage according to the page websiteaddress, detects by the monitoring module 130 that the current page haswebpage requesting information (Step S110), and transmits the detectingresult to the controlling module 120. At this time, the controllingmodule 120 on the one hand parses the content of the page websiteaddress, and on the other hand reads from the storing module 110 thewebsite address information of the online banking website recorded inthe online banking website configuration file, and judges by comparisonwhether the two are the same; if yes, the browser 10 determines that thepage website address that initiates the webpage requesting informationon the current page is the website address information of the onlinebanking website recorded in the configuration file (Step S120), andaccordingly performs the subsequent operation of downloading a securitycontrol; and on the contrary, if not, the browser 10 determines that thepage website address has no relation with an online banking website, andthus according to the content of the page website address jumps from thecurrent page to a corresponding target page.

Therefore, in the above operation, when detecting the webpage requestinginformation of the page website address, the webpage requestinginformation is firstly intercepted by a detecting module of the browser10, and sent to the controlling module 120 to execute the judgingprogram. As shown in FIG. 1 to FIG. 3, that is, in Step S110, if thepage website address is the website address information of the onlinebanking website, its detailed operation procedure may be but not limitedto: initiating on the current page of the browser 10 the webpagerequesting information to the online banking website (Step S111),wherein the initiating mode of the webpage requesting information may bepopping up, in the current page of the browser 10, a confirming windowcorresponding to the website address information of the online bankingwebsite, and then triggering by the confirming window, for exampletriggering by the user clicking on the confirming window, but notlimited to that. In addition, the request, at the same time wheninitiated, is detected by the monitoring module 130 of the browser 10,and the webpage requesting information is intercepted (Step S112), andthen the website address of the webpage in the webpage requestinginformation is sent to the controlling module 120 to execute thecomparing and judging program (Step S113).

Furthermore, regarding the comparing and judging of the page websiteaddress, the website address information of the online banking websiterecorded in the configuration file may be the website addressinformation of one or more specific online banking websites, and mayalso be the website address information of all the existing onlinebanking websites in the present. Therefore, as shown in FIG. 1 and FIG.4, in another method embodiment of the present disclosure, if theconfiguration file records the website address information of aplurality of online banking websites, then in the relevant operation ofthe browser 10 judging the page website address, the browser 10 comparesthe page website addresses according to the website address informationof the plurality of different online banking websites recorded in theonline banking website configuration file, so as to determine whetherthe page website address matches one of the website address informationof a plurality of different online banking websites (Step S121); if yes,the browser 10 determines that the page website address is the websiteaddress information of the corresponding online banking website (StepS122); and if not, the browser 10 determines that the page websiteaddress is a website address information of a not-online banking website(Step S123).

Following that, in the method of visiting an online banking websitedisclosed by the first method embodiment of the present disclosure,after the browser 10 determines that the page website address is thewebsite address information of the online banking website, the methodfurther loads on the browser 10 an online banking webpage correspondingto the page website address, wherein the loading operation may beperformed in an independent webpage process, and the online bankingwebpage may also be solely loaded in a sandbox, so as to perform therelevant operations of the online banking webpage in the sandbox, toensure the security during operation. Furthermore, in other embodimentsof the present disclosure, after the online banking webpage is loaded,security scanning is selectively performed on the currently visited pagewebsite address, and the scanning result is displayed on the browser 10,to determine whether the currently visited online banking webpage issafe.

Subsequently, the browser 10, according to the corresponding securityplug-in information in the online banking website configuration file,initiates by the downloading module 140 the downloading of acorrespondent security plug-in of the online banking website (StepS130), and the currently download security plug-in may be a securityplug-in of the newest version or all the security plugs-in on the onlinebanking server. Regarding the program of downloading the securityplug-in, a prompting window can be popped up on the current page of thebrowser 10, and then an instruction of confirming the downloading isexecuted by the prompting window to trigger the program of downloading;or the program of downloading is automatically executed by thedownloading module 140 of the browser 10.

It can be understood that, in certain cases, regarding the onlinebanking website that has been visited, the corresponding securityplug-in has been installed on the browser side, so, if the abovedownloading process downloads the security plug-in that has beeninstalled again, not only the downloading process is quite timeconsuming, but also other resources of the browser are occupied.Therefore, as shown in FIG. 1 and FIG. 5, in some method embodiments ofthe present disclosure, the method firstly determines, according to theidentification information recorded in the online banking websiteconfiguration file, whether the security plug-in that is currently to bedownloaded has been installed (S131), for example by the controllingmodule 120 of the browser comparing the identification information withthe version of the security plug-in information, the code size, theversion information of the relevant file or the relevant registryinformation and the like. If the comparing result is that the securityplug-in has been installed, the downloading module 140 of the browser 10stops executing the program of downloading the security plug-in; and onthe contrary, if the comparing result is that the security plug-in hasnot been installed, the browser 10, according to the access path of thesecurity plug-in recorded in an online banking website configurationtable, downloads the corresponding security plug-in from thecorresponding online banking server, for example the security plug-in ofnewest version. That is, when the security control of the browser sideand the security control of the online banking server are the same, thebrowser 10 stops the program of downloading the security control; andwhen the security control of the browser side and the security controlof the online banking server are different, the browser 10 downloads thenewest security control in the online banking server to replace thelocal security control.

Referring to FIG. 1 and FIG. 2, after the downloading of the securityplug-in is completed, the installing module 150 of the browser 10installs the downloaded security plug-in on the browser side, and thenthe online banking website is visited by the controlling module 120using the installed security plug-in (S140). It should be noted that, inthe present embodiment, before the operation of installing thedownloaded security plug-in, the method can also selectively firstlycheck whether the current installation environment of the browser 10 issafe; if yes, executes the operation of installing the downloadedsecurity plug-in; and on the contrary, if the checking result has aproblem in security, pops up a corresponding warning window on thecurrent page of the browser 10, and performs an updating operation tothe security level of the current installation environment by thewarning window or other repairing windows relevant to system security,for example, performs upgrading or remedy in security, and then executesthe program of installing the security control.

Furthermore, in a method embodiment of the present disclosure, regardingthe online banking website that has been visited, the method writes onthe browser side the website address information and security plug-ininformation that have been visited into the online banking websiteconfiguration file, wherein regarding the reading operation or writingoperation of the online banking website configuration file, the methodfirstly performs a signature operation processing to the readingoperation or writing operation, and then opens permission of the readingoperation or writing operation, which can ensure the integrity of theonline banking website configuration file and ensure that the onlinebanking website configuration file will not be maliciously modified.

In addition, regarding the user information of the online bankingwebsite that has been visited, the method encrypts and saves the userinformation on the browser side, and when the browser visits the sameonline banking website again, firstly decrypts and fills on the browserside the saved encrypted information, and then, according to thedecrypted and filled encrypted information, enables the user to directlylog in the browser and use the online banking website that has beenvisited. Meanwhile, the method may also selectively displays on afunction option of the browser the online banking name and the onlinebanking logo corresponding to the online banking website that has beenvisited, to facilitate the user to directly log in the online bankingwebsite next time.

Meanwhile, because of the developing of technology and the increasingdestructive effect of Trojan horse viruses, the security controls at theonline banking server side may be updated anytime. Therefore, in somemethod embodiments of the present disclosure, after the downloadedsecurity plug-in is installed on the browser side, the browser accessesinitiatively with a preset frequency to an online banking server of theonline banking website that has been visited to detect whether there isa security plug-in of updated version, for example each time when thebrowser connects to the Internet, or each time when the browser detectsa webpage requesting information of the online banking website that isto be jumped to. If the browser detects that the online banking serverhas a security plug-in of updated version, the browser initiativelydownloads the security plug-in of updated version from the onlinebanking server, and replaces the installed security plug-in with thesecurity plug-in of updated version, so that the security plug-in of thebrowser side maintains in the status of security plug-in of the newestversion anytime, to prevent Trojan horse virus or other malicioussoftware from initiating possible attacking to the client. On thecontrary, if the browser does not find out a security plug-in of updatedversion, that indicates that the currently security plug-in installed inthe browser side is a security plug-in of the newest version, andtherefore the browser does no action.

Following that, because the detecting and updating of the version of thesecurity plug-in on the browser side is performed in the background ofthe browser, during the process of the detecting and updating, theoperations of the user normally operating the computer system orvisiting a website by the browser are not interfered. Such an updatingdoes not need to log in an online banking page, can be completed on thebrowser side, and does not need the manual executing by the user, andtherefore has quite a good convenience.

As shown in FIG. 6, the second method embodiment disclosed by thepresent disclosure is approximately the same as the first methodembodiment as to the method of visiting an online banking website, andtheir difference is that, in the method of visiting an online bankingwebsite disclosed by the first method embodiment, the webpage requestinginformation is generated by the user directly inputting the log-inwebsite address of the online banking website on the current page of thebrowser 10 or by executing a page jumping by a search engine, while inthe second method embodiment, the browser judges, according to thecurrent webpage environment, whether the webpage requesting informationis to be initiated. Therefore, in the method of visiting an onlinebanking website disclosed by the second method embodiment of the presentdisclosure, the operation of detecting on a browser side a webpagerequesting information of a page website address comprises:

Step S210, detecting and judging whether the current page of the browserhas the website address information for logging in the online bankingwebsite.

That is, the method detects whether the current page of the browser hasthe website address information for logging in the online bankingwebsite. For example, if the current page of the browser side is a pageof a shopping website or another page that has the function of on-linepayment, the page, in order to facilitate the user to select the paymentmode, generally display one or more online banking names or onlinebanking logos, as the entry for logging in the corresponding onlinebanking website. Therefore these entries are all provided with thewebsite address information of the corresponding online bankingwebsites. It is according to the presence of these entries that thebrowser performs the judging.

Furthermore, during the process of the judging, the browser according tothe online banking website configuration file judges whether the pagewebsite address in the website address information matches one of thepage website addresses of a plurality of different online bankingwebsites; if yes, the browser determines that the current page has thewebsite address information for logging in the online banking website;and if not, the browser determines that the current page has no relationwith the website address information for logging in the online bankingwebsite. Therefore, after the browser completes the above judgingoperation, the browser executes according to the judgment result one ofthe following steps.

Step S220, if yes, the browser determining that the webpage requestinginformation is initiated on the current page, and acquiring the pagewebsite address from the website address information.

Step S230, if not, the browser side doing no action.

In that, after the browser determining that the current page has thewebsite address information for logging in the online banking website,the browser initiatively considers that the current page has one or morewebpage requesting information corresponding to the website addressinformation of the online banking website, and acquires thecorresponding page website addresses from these website addressinformation. Then, the browser subsequently performs the subsequentoperations of downloading and installing a security control. Theoperations of downloading and installing the security control areapproximately the same as those of the above embodiment, and will not bediscussed repeatedly here.

On the contrary, when the browser determining that the current page hasno relation with the website address information for logging in theonline banking website, that indicates that on the current page there isnot a demand or motivation to log in an online banking website, and thusthe browser does not need to perform the operations of downloading andinstalling the security control.

In the second method embodiment of the present disclosure, the browserside determines that a user, during the process of the operation of thebrowser, may possibly have the demand on logging in an online bankingwebsite, and downloads in advance the security controls associated withthe online banking websites to the browser side, and completes theinstalling program. Therefore, when the user enters the log-in page ofthe online banking website via the entry of the online banking websiteon the current page, the user can immediately perform the operation oflogging in the online banking website in a safe environment, so that theoperations of manually downloading and installing the security controlare omitted and the operation of refreshing the page does not need to beperformed.

On the basis of the above, the method of visiting an online bankingwebsite disclosed by the present disclosure, before the browsers jumpsfrom the current page to the operating page of the online bankingwebsite, has already completed the installing of the security plug-in onthe browser side. Therefore, when the page jumps to the operating pageof an online banking website or an online banking website, the methodcan prevent the prompting of the installation of the security controlfrom automatically popping up on the operating page to affect the usingof the operating page. Meanwhile, during the process of operation, theinstalled security control can be normally used without the refreshingof the page, so as to prevent the problem that the sheets that jump fromother websites are ineffective, so that the operations on the browserare quite flexible and convenient.

The above description shows and describes several preferable embodimentsof the present disclosure; however, as noted earlier, it should beunderstood that the present disclosure is not limited to the formdisclosed herein and should not be deemed as excluding otherembodiments, and can be used for various other combinations,modifications and environments. Further, changes can be made within thescope of the concept of the present disclosure herein by the aboveteachings or techniques or knowledge of relevant fields. Additionally,the changes and variations made by a person skilled in the art arewithin the protection scope of the attached claims of the presentdisclosure without departing from the spirit and scope of the presentdisclosure.

Each component embodiment of the present disclosure may be implementedby hardware, or by software modules that are operated on one or moreprocessors, or by a combination thereof. A person skilled in the artshould understand that, some or all of the functions of some or all ofthe components of the browser according to the embodiments of thepresent disclosure can be implemented by using a microprocessor or adigital signal processor (DSP) in practice. The present disclosure canalso implement apparatus or device programs (for example, computerprograms and computer program products) for executing part of or thewhole of the method described herein. Such programs for implementing thepresent disclosure may be stored on a computer readable medium, or maybe in the form of one or more signals. Such signals can be downloadedfrom Internet websites, or provided on a carrier signal, or provided inany other forms.

For example, FIG. 7 shows a terminal device that can implement themethod of visiting an online banking website according to the presentdisclosure, such as PC and mobile telephone. The terminal devicetraditionally comprises a processor 710 and a computer program productor computer readable medium in the form of a memory 720. The memory 720can be electronic memories such as flash memory, EEPROM (ElectricallyErasable Programmable Read Only Memory), EPROM, hard disk or ROM. Thememory 720 has the storage unit 730 for the program code 731 forexecuting any steps of the above method. For example, the storage unit730 for program code can include program codes 731 for individuallyimplementing each of the steps of the above method. Those program codescan be read from one or more computer program products or be writteninto the one or more computer program products. Those computer programproducts comprise program code carriers such as hard disk, compact disk(CD), memory card or floppy disk. Such computer program products areusually the portable or fixed storage unit as shown in FIG. 8. Thestorage unit may have storage segments or storage spaces with similararrangement with the memory 720 of the terminal device in FIG. 7. Theprogram codes may for example be compressed in a suitable form.Generally, the storage unit includes a computer readable code 731′,which can be read by a processor like the processor 710. When thosecodes are running on the terminal device, the terminal device executeseach of the steps of method described above.

The “one embodiment”, “an embodiment” or “one or more embodiments”stated herein indicates that, the specific feature, structures orcharacteristics that are described with reference to the embodiment areincluded in at least one embodiment of the present disclosure.Furthermore, it should be noted that, the wordings such as “in anembodiment” herein do not necessarily refer to the same embodiment.

In the description provided herein, numerous specific details aredescribed. However, it can be understood that the embodiments of thepresent disclosure may be practiced without those specific details. Insome embodiments, well-known methods, structures and techniques are notshown in detail, in order not to obscure the understanding of thisdescription.

It should be noted that the above embodiments are for describing thepresent disclosure rather than limiting the present disclosure, and aperson skilled in the art may design alternative embodiments withoutdeparting from the scope of the appended claims. In the claims, anyreference signs between parentheses cannot bring about restriction tothe claims. The word “comprise” does not exclude the elements or stepsthat are not listed in the claims. The word “a” or “an” preceding anelement does not exclude the presence of a plurality of such elements.The present disclosure may be implemented by means of hardwarecomprising several distinct elements and by means of suitably programmedcomputers. In claims that list several devices, some of those devicesmay be embodied by the same item of hardware. The words first, second,and third, etc. do not denote any order. These words can be interpretedas names.

Furthermore, it should also be note that, the languages used in thedescription are selected mainly for the purposes of readability andteaching, rather than for interpreting or limiting the subject matter ofthe present disclosure. Therefore, various modifications and alterationsare apparent for a person skilled in the art without departing from thescope and spirit of the attached claims. Regarding the scope of thepresent disclosure, the disclosure of the present disclosure isillustrative, rather than restrictive, and the scope of the presentdisclosure is defined by the attached claims.

1. A method of visiting an online banking website, comprising: detectingon a browser side a webpage requesting information of a page websiteaddress; determining by the browser that the page website address is awebsite address information of an online banking website in an onlinebanking website configuration file of the browser, wherein the onlinebanking website configuration file comprises the website addressinformation of the online banking website and its corresponding securityplug-in information; the browser, according to the security plug-ininformation, initiating downloading of a corresponding security plug-inon the online banking website; and installing the downloaded securityplug-in on the browser side, and visiting the online banking website byusing the installed security plug-in.
 2. The method according to claim1, wherein, the online banking website configuration file furthercomprises: an online banking name, an online banking website address andan online banking logo corresponding to the online banking website, anidentification information for determining whether the security plug-ininformation has been installed, an access path of the security plug-inand a corresponding backup of the security plug-ins that has beeninstalled on the browser side.
 3. The method according to claim 2,wherein, after the operation of installing the downloaded securityplug-in on the browser side, the method further comprises: displaying ona function option of the browser the online banking name and the onlinebanking logo corresponding to the online banking website that has beenvisited.
 4. The method according to claim 2, wherein, in the operationof the browser, according to the security plug-in information,initiating downloading of the corresponding security plug-in on theonline banking website, the method comprises: confirming, according tothe identification information, whether the security plug-in has beeninstalled; if yes, the browser stopping executing the program ofdownloading the security plug-in; and if not, the browser, according tothe access path of the security plug-in, executing the program ofdownloading the security plug-in.
 5. The method according to claim 4,wherein, in the operation of confirming according to the identificationinformation whether the security plug-in has been installed, the browsercompares the identification information with a version of the securityplug-in information, a code length, a version information of a relevantfile or a relevant registry information.
 6. The method according toclaim 4, wherein, the operation of the browser side, according to theaccess path of the security plug-in, executing the program ofdownloading the security plug-in comprises: popping up a promptingwindow on a current page of the browser; and triggering the program ofdownloading via the prompting window.
 7. (canceled)
 8. The methodaccording to claim 1, wherein, the operation of the browser sidedetecting the webpage requesting information of the page website addresscomprises: initiating, on the current page of the browser, the webpagerequesting information to the online banking website; the browserdetecting the webpage requesting information, and intercepting thewebpage requesting information; and sending the website address of thewebpage in the webpage requesting information to a controlling module ofthe browser to execute a judging program.
 9. The method according toclaim 1, wherein, the method further comprises: on the browser sideencrypting and saving a user information of an online banking websitethat has been visited; when the browser visits the online bankingwebsite again, decrypting and filling on the browser side the savedencrypted information; and logging in the online banking website thathas been visited by the browser according to the decrypted and filledencrypted information.
 10. The method according to claim 1, wherein,after the operation of installing the downloaded security plug-in on thebrowser side, and visiting the online banking website by using theinstalled security plug-in, the method further comprises: writing on thebrowser side the website address information of the online bankingwebsite that has been visited and its corresponding security plug-ininformation into the online banking website configuration file; and theoperation of determining by the browser that the page website address isthe website address information of the online banking website in theonline banking website configuration file of the browser furthercomprises: reading the online banking website configuration file by thecontrolling module of the browser; wherein before a reading operation orwriting operation of the online banking website configuration file, themethod firstly performs a signature operation processing to the readingoperation or writing operation, and then opens permission of the readingoperation or writing operation.
 11. The method according to claim 1,wherein, before the operation of installing the downloaded securityplug-in on the browser side, and visiting the online banking website byusing the installed security plug-in, the method further comprises:checking whether the current installation environment of the browser issafe; if yes, executing the operation of installing the downloadedsecurity plug-in; and if not, popping up on an installation page of thebrowser a corresponding warning window; and performing updatingoperation by the warning window to a security level of the installationenvironment.
 12. The method according to claim 1, wherein, between theoperation of determining by the browser that the page website address isthe website address information of the online banking website in theonline banking website configuration file of the browser and theoperation of the browser, according to the security plug-in information,initiating downloading of the corresponding security plug-in on theonline banking website, the method further comprises: performingsecurity scanning to the page website address; and displaying a scanningresult on the current page of the browser.
 13. The method according toclaim 1, wherein, between the operation of determining by the browserthat the page website address is the website address information of theonline banking website in the online banking website configuration fileof the browser and the operation of the browser, according to thesecurity plug-in information, initiating downloading of thecorresponding security plug-in on the online banking website, the methodfurther comprises: loading on the browser an online banking webpagecorresponding to the page website address, wherein the loading of theonline banking webpage is performed in an independent webpage process orin a sandbox.
 14. The method according to claim 1, wherein, theoperation of determining by the browser that the page website address isthe website address information of the online banking website in theonline banking website configuration file of the browser comprises:judging on the current page of the browser whether the page websiteaddress is the website address information of the online banking websitein the online banking website configuration file of the browser; if yes,executing on the browser side the program of downloading the securityplug-in; and if not, the browser jumping from the current page to atarget page corresponding to the website address of the webpage. 15.(canceled)
 16. The method according to claim 1, wherein, the operationof the browser side detecting the webpage requesting information of thepage website address comprises: detecting and judging whether thecurrent page of the browser has the website address information forlogging in the online banking website; if yes, the browser determiningthat the webpage requesting information is initiated on the currentpage, and acquiring the page website address from the website addressinformation; and if not, the browser doing no action.
 17. (canceled) 18.The method according to claim 1, wherein, in the operation of thebrowser, according to the corresponding security plug-in information,initiating downloading of the corresponding security plug-in on theonline banking website, the security plug-in that is currentlydownloaded by the browser is the newest security plug-in.
 19. The methodaccording to claim 1, after the operation of installing the downloadedsecurity plug-in on the browser side, and visiting the online bankingwebsite by using the installed security plug-in, the method furthercomprising: the browser accessing initiatively with a preset frequencyto an online banking server of the online banking website to detectwhether there is a security plug-in of updated version; if yes, thebrowser downloading from the online banking server the security plug-inof updated version, and replacing the installed security plug-in withthe security plug-in of updated version; and if not, the browser doingno action.
 20. An apparatus for visit visiting an online bankingwebsite, applied to a browser, the apparatus comprising a processor forexecuting instructions stored in a memory, the instructions comprise: astoring instruction, to save an online banking website configurationfile, wherein the online banking website configuration file comprisesthe website address information of the online banking website and itscorresponding security plug-in information; a monitoring instruction, todetect a webpage requesting information of a page website address; acontrolling instruction, to visit the online banking website accordingto the website address information and receive a detecting result, anddetermine whether the page website address is the website addressinformation of the online banking website in the online banking websiteconfiguration file; a downloading instruction, to, according to adetermining result and the security plug-in information in the onlinebanking website configuration file, to initiate downloading of acorresponding security plug-in on the online banking website; and aninstalling instruction, to execute an installing program of the securityplug-in, so that can visit the online banking website by the installedsecurity plug-in.
 21. The apparatus according to claim 20, wherein, theonline banking website configuration file further comprises: an onlinebanking name, an online banking website and an online banking logocorresponding to the online banking website, an identificationinformation for determining whether the security plug-in information hasbeen installed, an access path of the security plug-in and acorresponding backup of the security plug-ins that have been installed.22. The apparatus according to claim 20, wherein, the controllinginstruction is further to encrypt a user information of the onlinebanking website that has been visited and save the user information, andwhen the browser visits the online banking website again, thecontrolling instruction to decrypt and fill the saved encryptedinformation; and login the online banking website that has been visitedaccording to the decrypted and filled encrypted information. 23.-29.(canceled)
 30. A computer readable medium, in which having instructionsstored thereon, when executed by at least one processor, cause theprocessor to perform operations for visiting an online banking website,the operations comprises: detecting on a browser side a webpagerequesting information of a page website address: determining by thebrowser that the page website address is a website address informationof an online banking website in an online banking website configurationfile of the browser, wherein the online banking website configurationfile comprises the website address information of the online bankingwebsite and its corresponding security plug-in information; the browser,according to the security plug-in information, initiating downloading ofa corresponding security plug-in on the online banking website; andinstalling the downloaded security plug-in on the browser side, andvisiting the online banking website by using the installed securityplug-in.